{"buttonLabel":"Get a Quote","productCollection":"car_insurance_companies","productId":"2","productLink":"https:\/\/www.bharti-axagi.co.in\/car-insurance","productName":"Bharti AXA"}
{"buttonLabel":"Get a Quote","productCollection":"car_insurance_companies","productId":"2","productImage":"referral_logos\/in\/insurance\/bharti-1","productLink":"https:\/\/www.bharti-axagi.co.in\/car-insurance","productName":"Bharti AXA"}

Bharti Axa Car Insurance Review: Which Policy is Best?

Bharti Axa offers a fast and convenient way to purchase a comprehensive car insurance policy online. Their cheap annual premiums are best suited for used car drivers, while premiums for new sedan, SUV and luxury cars are more expensive than many of their competitors.

Bharti Axa Car Insurance Review: Which Policy is Best?

Bharti Axa offers a fast and convenient way to purchase a comprehensive car insurance policy online. Their cheap annual premiums are best suited for used car drivers, while premiums for new sedan, SUV and luxury cars are more expensive than many of their competitors.

Editor's Rating

3.5/5.0

Good for

  • Consumers seeking an online car insurance policy
  • Used car drivers

Bad for

  • Consumers seeking the cheapest car insurance plan or a range of discounts
  • New car drivers

Bharti Axa General Insurance Company's single comprehensive car insurance policy covers damages to the insured vehicle, as well as damages to third party property. Personal accident coverage for the owner or driver is also included. Up to 13 optional add-on benefits are available to increase your coverage, but Bharti Axa offers just one single discount to help reduce your annual premium cost. Their plans are most affordable for used cars, and tend to be slightly more expensive than average for new cars.

If you're seeking a policy from a car insurer with a straightforward, step-by-step online purchasing process like Bharti Axa has, but at a cheaper price than they provide for your new car, consider a few alternatives. The following insurers may offer lower annual premiums than Bharti Axa and a wider variety of discounts for further savings.

Alternatives We Recommend

{"items":["\u003Cstrong\u003EBest All-Around\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Image\" data-eventlabel=\"Reliance General Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003E\u003Cimg alt=\"Reliance General Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/reliance-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Button\" data-eventlabel=\"Reliance General Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Image\" data-eventlabel=\"Reliance General Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003E\u003Cimg alt=\"Reliance General Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/reliance-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/reliance-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Reliance General Insurance - Button\" data-eventlabel=\"Reliance General Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Reliance General Insurance\" href=\"\/redirect\/car_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.reliancegeneral.co.in%252FInsurance%252FMotor-Insurance%252FCar-Insurance.aspx\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Reliance Car Insurance Review\" href=\"https:\/\/www.valuechampion.in\/car-insurance\/reliance-car-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EBest New\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: GoDigit - Image\" data-eventlabel=\"GoDigit\" rel=\"nofollow noopener\" target=\"_blank\" title=\"GoDigit\" href=\"\/redirect\/car_insurance_companies\/6?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.godigit.com%252Fmotor-insurance%252Fcar-insurance\"\u003E\u003Cimg alt=\"GoDigit\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/digit-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: GoDigit - Button\" data-eventlabel=\"GoDigit\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"GoDigit\" href=\"\/redirect\/car_insurance_companies\/6?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.godigit.com%252Fmotor-insurance%252Fcar-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: GoDigit - Image\" data-eventlabel=\"GoDigit\" rel=\"nofollow noopener\" target=\"_blank\" title=\"GoDigit\" href=\"\/redirect\/car_insurance_companies\/6?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.godigit.com%252Fmotor-insurance%252Fcar-insurance\"\u003E\u003Cimg alt=\"GoDigit\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/digit-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/digit-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: GoDigit - Button\" data-eventlabel=\"GoDigit\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"GoDigit\" href=\"\/redirect\/car_insurance_companies\/6?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.godigit.com%252Fmotor-insurance%252Fcar-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Digit Car Insurance Review\" href=\"https:\/\/www.valuechampion.in\/car-insurance\/digit-car-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EFull Coverage Options\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Cholamandalam MS - Image\" data-eventlabel=\"Cholamandalam MS\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003E\u003Cimg alt=\"Cholamandalam MS\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/CholaMS-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Cholamandalam MS - Button\" data-eventlabel=\"Cholamandalam MS\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Cholamandalam MS - Image\" data-eventlabel=\"Cholamandalam MS\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003E\u003Cimg alt=\"Cholamandalam MS\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/CholaMS-3\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/CholaMS-3 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Cholamandalam MS - Button\" data-eventlabel=\"Cholamandalam MS\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Cholamandalam MS\" href=\"\/redirect\/car_insurance_companies\/12?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.cholainsurance.com%252Fcar-insurance\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Cholamandalam MS Car Insurance Review\" href=\"https:\/\/www.valuechampion.in\/car-insurance\/chola-ms-car-insurance-review\"\u003ERead More\u003C\/a\u003E","\n\u003Cstrong\u003EGreat Online Policies\u003C\/strong\u003E\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Image\" data-eventlabel=\"Liberty Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003E\u003Cimg alt=\"Liberty Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/liberty-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Button\" data-eventlabel=\"Liberty Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Image\" data-eventlabel=\"Liberty Insurance\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003E\u003Cimg alt=\"Liberty Insurance\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/in\/insurance\/liberty-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/in\/insurance\/liberty-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: Liberty Insurance - Button\" data-eventlabel=\"Liberty Insurance\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Liberty Insurance\" href=\"\/redirect\/car_insurance_companies\/7?link=https%3A%2F%2Faffiliate.valuechampion.in%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.libertyinsurance.com.sg%252Fprivate-car\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Ca class=\"ShortcodeLink--root\" title=\"Liberty Car Insurance Review\" href=\"https:\/\/www.valuechampion.in\/car-insurance\/liberty-car-insurance-review\"\u003ERead More\u003C\/a\u003E"],"offsetPercentage":20}
Summary of Bharti Axa Car Insurance
Up to 13 add-ons are available to expand the scope of your coverage.
Bharti Axa has an optimal 75% incurred claim rate.
Drivers can purchase a comprehensive policy online in just a few minutes.


Bharti Axa Comprehensive Car Insurance Plan Highlights

Bharti Axa's used car policies are among the most affordable in India. Annual premiums start at Rs. 7,770 and are up to 41% cheaper than the market average cost of Rs. 13,162 to insure a used Honda Amaze.

Bar graph showing premium prices for a used Honda Amaze
Bar graph showing premium prices for a used Honda Amaze

Policies for new cars, including sedans, SUVs, and luxury models, are much less affordable and are slightly more expensive than the market average. Annual premiums for a new Honda Amaze, a new Maruti Vitara Brezza, and a new Mercedes-Benz E-350 are at least 7% higher than average.

Bharti Axa's comprehensive plan covers own damage losses due to natural and man-made calamities up to Rs. 15 lakhs, damages and liabilities to third parties, and personal accident coverage for the owner/driver of the car. None of the company's plans cover damages incurred from:

  • Driving under the influence of drugs or alcohol
  • Driving without a valid license
  • Using a private vehicle for commercial activity
  • Consequential damages
  • Mechanical breakdown
  • Contributory negligence
  • Staged accidents
  • Driving outside policy's geographical limits

They do uniquely cover tyre and tube damage, if the vehicle is damaged at the same time as the tyres and tubes, at up to 50% of the replacement cost. More than half of the car insurers we studied charge extra for this coverage as an add-on, or exclude it from the policy all together.

Bharti Axa offers a slightly below average number of optional add-on coverages — 13 to be exact. However, some of the add-ons they offer are quite useful and distinctive, such as a hospital cash allowance of Rs. 1,000 per day for up to 30 days, ambulance expense coverage, and medical expense coverage up to Rs. 10,000. Just seven of the 16 car insurers we've analyzed offer any of these three coverage options, and only three of them offer all three options.

Add-On CoverageAvailability
Depreciation CoverageAvailable
Engine & Gear Box ProtectionAvailable
Consumable Expense CoverageAvailable
Conveyance BenefitUnavailable
Key & Lock ReplacementAvailable
Personal Belongings CoverageUnavailable
Roadside AssistanceAvailable
Invoice Price CoverageAvailable
Electrical Accessories CoverageAvailable
Non-Electrical Accessories CoverageUnavailable
Personal Accident Coverage (Passenger)Available
CNG Kit CoverageAvailable
EMI ProtectionUnavailable
Road Tax CoverageUnavailable
Legal Liability For Paid Driver/WorkerUnavailable
Ambulance Expense CoverageAvailable
Hospital Cash AllowanceAvailable
Medical Expense CoverageAvailable
No Claims Bonus ProtectionAvailable
Loss of License/Registration ReplacementUnavailable
Small Repair ClaimsUnavailable
Daily Cash AllowanceUnavailable

Many of the more expensive insurers in India provide a variety of discounts to help applicable consumers lower their annual premiums. Bharti Axa provides only one discount to its policyholders: a claims-free discount, which reduces your premium cost if you do not file a claim or have not previously filed one. In comparison, 14 of the other 15 companies we studied provide a higher number of discount options.

DiscountAvailability
No Claims BonusAvailable
Voluntarily Increased DeductibleUnavailable
Auto Association MembershipUnavailable
Anti-Theft DeviceUnavailable
Vintage CarUnavailable
Vehicle Modified for HandicappedUnavailable
Personal InformationUnavailable
Specific LocationUnavailable
Credit ScoreUnavailable
Multi-VehicleUnavailable


Bharti Axa Third Party and Stand Alone Damage Policy Highlights

Bharti Axa offers two alternatives to their fully comprehensive plan if you're seeking a cheaper policy in exchange for a reduced level of coverage. Their third party plan includes coverage for damages to third party vehicles or properties up to Rs. 7.5 lakh and for injury or death of a third party due to an accident. Personal accident coverage is an attractive optional add-on.

This policy does not cover damages to your own car due to man-made or natural calamities, and you do not have the option to enhance your coverage with any add-ons. The Indian government regulates third party coverage pricing, including the policy offered by Bharti Axa, so all third party plans from all insurers will cost the same annually.

Engine Capacity (cc)Annual Premium
< 1,000cc₹2,072
1,000cc - 1,500cc₹3,221
1,500cc+₹7,890

Bharti Axa's stand alone damage plan is the opposite of the third party plan; it only covers man-made and natural calamities and does not provide coverage for damages to any third party. Unlike the third party plan, however, you can customize your coverage and include add-on benefits, as you would with a comprehensive plan. Bharti Axa does not offer the option to receive a quote or purchase a stand alone damage plan online, so pricing will vary when working directly with an agent.


Comparing Bharti Axa against the Market

Bharti Axa is one of the top-three most reviewed Indian car insurance companies online. Their policyholders have rewarded their smooth buying process, fast claim settlement process, and knowledgeable agents with 4.4-of-5 stars on PolicyBazaar and a perfect five-star rating on InsuranceDekho. Bharti Axa has a network of over 5,200 cashless garages to choose from for your car repairs, making it one of the four largest networks of any car insurer in India.

The company's 93.1% claim settlement rate is just about average for car insurers in India, and their 75% incurred claims ratio (ICR) indicates a strong ability to settle claims against annual premium collection. The optimal, healthy range for an insurer is 75-90%.

Car Insurance Companies ICR
Car Insurance Companies ICR

Before purchasing a plan from Bharti Axa, consumers should be aware of some of the negative experiences that current policyholders have mentioned in their reviews. The top drawback among customers is the price of the policy, and how the standard level of coverage does not justify the annual cost. To help combat this, Bharti Axa has recently introduced a "Pay As You Drive" policy, which allows drivers to pay a premium based on the number of kilometers they drive.

Bharti AxaMarket Average
Market Share1.73%3.57%
Incurred Claims Ratio75%90%
Claim Settlement Rate93.1%94.3%
Cashless Garages5,2003,870
PolicyBazaar Star Ratings4.4 (66 reviews)4.2 (22 reviews)
InsuranceDekho Star Ratings5.0 (148 reviews)4.9 (167 reviews)


Online Car Insurance Platform

On Bharti Axa's website, you'll find valuable resources such as a breakdown of each of their policy offerings and add-ons, a comparison chart between their comprehensive and third party plans so you can decide exactly which is best for your needs, and a live chat option in case you need assistance from an agent.

They offer a very simple and easy quoting process on a modern, responsive and user-friendly platform. You can add optional coverages to your policy online, and apply a no claims bonus discount as well, making Bharti Axa's website the preferred purchasing method for consumers seeking a comprehensive plan. You also have the option to receive your quote via WhatsApp in case you need a bit longer to decide before purchasing, a feature offered by just four of the top 16 insurers in India.

There are some limitations on Bharti Axa's website, however. Consumers are only able to purchase a comprehensive policy online; the stand alone and third party plans must be purchased with the help of an agent. You are also unable to purchase a comprehensive policy online for a new car registered in the current calendar year.

Finally, your quoted premium cost does not update in real-time during the purchase process, and Bharti Axa does not provide a calculator tool to help estimate your cost before applying for a policy. Instead, the user needs to recalculate the cost after each change to the coverage.


Claims Process

Bharti Axa does not offer the ability to file a claim from a smartphone app. Instead, they require all claims to be filed via email, phone, or most conveniently through their online portal. Once a claim is registered, you can expect confirmation within an hour, and an agent to contact you within 24 hours if further information is required.

They offer 24/7 claims assistance as well, so help is always available, and once you begin the claims process, Bharti Axa provides a cashless garage locator, so you can ensure your vehicle will be repaired in a convenient location. They strongly recommend all claims to be filed within 48 hours of the incident to help promote a quicker resolution. Once a claim is filed, you can track the status and progress online.


Mike Wagenman

Mike Wagenman is a Senior Research Analyst at ValueChampion India, specializing in insurance. He holds a Bachelor of Arts degree in Communication and Business from Rider University, and his prior work experience includes data, revenue, and business analysis in the international travel and technology markets. Mike has worked with clients around the world to help identify financial value and find the most optimal way to achieve success.